Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OneMain HoldingsOMF -1.29%70 5-Year Yield-on-Cost % is 6.55 as of Aug. 01, 2026, which is 17% below its 10-year median of 7.87. GuruFocus rates OMF with a GF Score™ of 70/100 and a GF Value™ of $59.84 (Fairly Valued). The stock has 3 warning signs investors should review. Among 210 Credit Services companies, OneMain Holdings ranks better than 66.67% on this metric.
OneMain Holdings's yield on cost for the quarter that ended in Jun. 2026 was 6.55.
The historical rank and industry rank for OneMain Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
OMF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.71 Med: 7.87 Max: 13.81
Current: 6.55
During the past 13 years, OneMain Holdings's highest Yield on Cost was 13.81. The lowest was 0.71. And the median was 7.87.
OMF's 5-Year Yield-on-Cost % is ranked better than 66.67% of 210
companies
in the Credit Services industry
Industry Median: 4.54
vs OMF: 6.55
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
OneMain Holdings 5-Year Yield-on-Cost % Related Terms
OMF vs KLAR, CACC, ENVA: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, OneMain Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OneMain Holdings 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OneMain Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where OneMain Holdings's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
OneMain Holdings (OMF) has a 5-Year Yield-on-Cost % of 6.55 as of Aug. 01, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on OneMain Holdings and its competitors. This is 17% below median its historical median of 7.87. Over the past decade, OneMain Holdings' 5-Year Yield-on-Cost % has ranged from 0.71 to 13.81. According to the industry distribution chart, OneMain Holdings ranks #70 out of 210 companies in the Credit Services industry, placing it in the top 33.3%.
Is OneMain Holdings' 5-Year Yield-on-Cost % too high?
OneMain Holdings' current 5-Year Yield-on-Cost % of 6.55 is 17% below median its 10-year median of 7.87. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 13.81. The Credit Services industry median 5-Year Yield-on-Cost % is 4.54. OneMain Holdings' value of 6.55 is 44.3% above this industry median. Based on the distribution chart, OneMain Holdings ranks #70 out of 210 companies in the Credit Services industry, which is above the industry midpoint. Overall, OneMain Holdings has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OneMain Holdings' 5-Year Yield-on-Cost % compare to KLAR and CACC?
According to the Credit Services industry distribution chart, OneMain Holdings ranks #70 out of 210 companies for 5-Year Yield-on-Cost %. This puts OneMain Holdings in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.54. OneMain Holdings' value of 6.55 is 44.3% above this benchmark. Historically, OneMain Holdings' own 5-Year Yield-on-Cost % has ranged from 0.71 to 13.81 over the past decade. While the company's 10-year median is 7.87 vs. the industry median of 4.54, OneMain Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.54, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OneMain Holdings's current 5-Year Yield-on-Cost % of 6.55 is 44.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on OneMain Holdings and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OneMain Holdings's current 5-Year Yield-on-Cost % is 6.55, which is 17% below median its own 10-year median of 7.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OneMain Holdings stock overvalued right now?
Based on GuruFocus' analysis, OneMain Holdings (OMF) is currently considered Fairly Valued. The stock's GF Value™ is $59.84, compared to a current price of $62.58 — trading 4.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.55, which is 17% below median its 10-year median of 7.87 and 44.3% above the Credit Services industry median of 4.54. OneMain Holdings' overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For OneMain Holdings (OMF), the current 5-Year Yield-on-Cost % is 6.55 as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is OneMain Holdings (OMF) Overvalued in 2026?
Based on GuruFocus' analysis, OneMain Holdings stock appears to be overvalued.
The current stock price of $62.58 is trading 4.6% above its estimated GF Value™ of $59.84.
GuruFocus considers OneMain Holdings to be Fairly Valued.
Key valuation signals for OMF:
5-Year Yield-on-Cost %: 6.55 (17% below median its 10-year median of 7.87)
GF Value™: $59.84 vs. price of $62.58 (4.6% above fair value)
Industry Position: 44.3% above the Credit Services median (#70 of 210)
No single metric tells the full story. See the OMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OneMain Holdings Inc is a consumer finance company providing loan products to customers through its branch network and the internet. The company provides personal loan products; offers credit cards; offers optional credit insurance and others; offers a customer-focused financial wellness program, and acquisitions and dispositions of assets and businesses. It provides origination, underwriting, and servicing of personal loans to non-prime customers. The company operates in single reportable segment Consumer and Insurance which originates and services personal loans and auto finance loans, offer credit cards, and provide optional credit and non-credit insurance and other optional products through its branch and central operations, as well as digital platform.
70GF Score
Get the complete analysis for OMF
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OMF has been successfully added to your 
